30. It really did make a difference for me

as at the time we were struggling to keep up on the bills, and the budget was literally +or- $15 or so every month for awhile. That's keeping the heat way down low, not watering the lawn, eating plain oatmeal for breakfast and plain rice for dinner sometimes...anyway, the extra $80 a month or so was like sudden relief - very nice.

In our case, I kept up on all the bills well so we have finally qualified for a home refinance, which will be the last step in getting some real breathing space in the budget. With which to catch up on dental work and so forth...